Intercorp Financial Services (LIM:IFS) Short-Term Debt: $695 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LIM:IFS Intercorp Financial Services Inc LIM:IFS
39 GF Score
Price $59.50
GF Value $32.02
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Intercorp Financial Services Short-Term Debt?

Intercorp Financial Services LIM:IFS -0.78% 39 Short-Term Debt is $695 Mil as of Mar. 2026. GuruFocus rates LIM:IFS with a GF Score™ of 39/100 and a GF Value™ of $32.02 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Intercorp Financial Services's Short-Term Debt for the quarter that ended in Mar. 2026 was $695 Mil.

Intercorp Financial Services's quarterly Short-Term Debt declined from Sep. 2025 ($707 Mil) to Dec. 2025 ($658 Mil) but then increased from Dec. 2025 ($658 Mil) to Mar. 2026 ($695 Mil).

Intercorp Financial Services's annual Short-Term Debt increased from Dec. 2023 ($594 Mil) to Dec. 2024 ($717 Mil) but then declined from Dec. 2024 ($717 Mil) to Dec. 2025 ($658 Mil).

Intercorp Financial Services Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Intercorp Financial Services Short-Term Debt Related Terms

Intercorp Financial Services Short-Term Debt Historical Data

* Premium members only.

The historical data trend for Intercorp Financial Services's Short-Term Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Intercorp Financial Services Short-Term Debt Chart

Intercorp Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 549.50 594.06 717.24 658.42

Intercorp Financial Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Short-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 795.11 706.97 658.42 694.75
LIM:IFS
39GF Score
Intercorp Financial Services Inc LIM:IFS
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of $695 Mil mean?
Intercorp Financial Services (LIM:IFS) has a Short-Term Debt of $695 Mil as of Mar. 2026.
Is Intercorp Financial Services' Short-Term Debt too high?
Intercorp Financial Services' current Short-Term Debt is $695 Mil. Overall, Intercorp Financial Services has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intercorp Financial Services' Short-Term Debt compare to PNC and USB?
Intercorp Financial Services' Short-Term Debt of $695 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Short-Term Debt for a Banks company?
A good Short-Term Debt depends on the Banks industry context. However, Short-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Intercorp Financial Services's current Short-Term Debt is $695 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Intercorp Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Intercorp Financial Services (LIM:IFS) is currently considered Significantly Overvalued. The stock's GF Value™ is $32.02, compared to a current price of $59.50 — trading 85.8% above its estimated fair value. The current Short-Term Debt is $695 Mil. Intercorp Financial Services' overall GF Score™ is 39/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Intercorp Financial Services (LIM:IFS), the current Short-Term Debt is $695 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Intercorp Financial Services (LIM:IFS) Overvalued in 2026?

Based on GuruFocus' analysis, Intercorp Financial Services stock appears to be overvalued. The current stock price of $59.50 is trading 85.8% above its estimated GF Value™ of $32.02. GuruFocus considers Intercorp Financial Services to be Significantly Overvalued.

Key valuation signals for LIM:IFS:

  • Short-Term Debt: $695 Mil
  • GF Value™: $32.02 vs. price of $59.50 (85.8% above fair value)
  • GF Score™: 39/100 with 6 warning signs

No single metric tells the full story. See the LIM:IFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Intercorp Financial Services Business Description

Other Exchanges IFS:USA9IFA:Germany
Address Avenue Carlos Villaran 140, 5th Floor, Urbanizacion Santa Catalina, La Victoria, Lima, PER, 13
Intercorp Financial Services Inc is a provider of banking, insurance, wealth management services, and payments for retail customers and commercial clients in Peru. Its purpose is centered around building financial well-being together. The company has three operating business segments: Banking, mainly loans, credit facilities, deposits, and current accounts; Insurance provides life annuity products with single-premium payment and conventional life insurance products, as well as other retail insurance products; and Wealth management provides brokerage and investment management services. Inteligo serves mainly Peruvian citizens.
39GF Score

Get the complete analysis for LIM:IFS

Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$59.50
Price
$32.02
GF Value